164 Willow St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 164 Willow St, Lawrence, MA 01841

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,796 sqft · built 1885
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jul 2019)
Tax Bill	$4,220 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172 0000 0010 A`

Property Details

APN / Parcel Number

Primary APN	`172 0000 0010 A`
Alternative APN	`LAWR M:0172 B:0000 L:0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,796 sqft Living Area
Gross Area	2,588 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	3,200 sqft (0.073 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	172 0000 0010 A
Street Address	164 WILLOW ST
City	LAWRENCE
State	MA
Zip	01841-1014
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Lot Number	10
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1004
Census Tract	250400

Owner

164 Willow St, a duplex, is owned and occupied by an individual who bought it in July 2019.

Source: Essex County and Lawrence City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	164 WILLOW ST, LAWRENCE, MA 01841-1014
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 1, 2019	Quit Claim Deed, Transfer · FHA Mortgage HOME LOAN AND INVESTMENT BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Oct 11, 2016 · Amount on File
Deed Book / Page	15902 / 29
Prior Transfer Date	May 22, 2019
Prior Transfer Doc	0015902-29
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	164 WILLOW ST, LAWRENCE, MA 01841-1014
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017141-313
Date	Sep 21, 2021
Book Page	17141/313
Instrument	31365

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Jul 1, 2019
Property Address	164 WILLOW ST, LAWRENCE, MA 01841-1014
Document Number	15902-29
Book / Page	15902 / 29
Instrument Date	May 22, 2019
Instrument	15019
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 WILLOW ST, LAWRENCE, MA 01841-1014

Mortgage

Document Number	15020
Date	Jul 1, 2019
Instrument	15020

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 164 Willow St was $4,220, up 2.8% from the year before.

Source: Essex County and Lawrence City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Lawrence City
Unified School District	Lawrence School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,220.00 (+2.75%)	$488,400 (+4.65%) Land $97,500 Building $390,900	$626,991
2025	$4,107.00 (+3.87%)	$466,700 (+9.17%) Land $97,500 Building $369,200
2024	$3,954.00 (-3.75%)	$427,500 (+5.74%) Land $102,400 Building $325,100
2023	$4,108.00	$404,300 Land $98,900 Building $305,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 164 Willow St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 164 Willow St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAWRENCE WATER WORKS serves 89,143 people · EPA ID MA3149000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2016
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,006 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T, T-Mobile.

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